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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $30,936 | $160,040-80.7% | $147,096-79.0% | $145,877-78.8% |
| Participation rate | 86.7% | 84.0%+2.6pp | 82.2%+4.5pp | 80.3%+6.4pp |
| Annual return | 11.34% | 98.49%-87.2pp | 419.75%-408.4pp | 551.28%-539.9pp |
| Employer contribution / active EE | $1,116 | $5,289-78.9% | $4,936-77.4% | $4,663-76.1% |
| Participant deferral / active EE | $3,560 | $8,429-57.8% | $8,071-55.9% | $6,691-46.8% |
| Admin fee / account holder | $417 | $15,050-97.2% | $13,005-96.8% | $13,402-96.9% |